What it means
The card requires 3D Secure verification to complete.
← All Stripe decline codes
RetryableRetryable decline
three_d_secure_required
3D Secure required
Category
Retryable decline
Retryable
Yes, with timing
Suggested retry
~2 hours
Why it happens
Strong customer authentication is required for this charge.
How to recover the payment
Send an authentication link to the customer.
Category tip: Retryable with exponential backoff.
Recovery email preview
Subject: Action needed — your payment did not go through
Please verify this payment with your bank to keep your subscription active.
Update payment methodSent automatically by churnguardian the moment this code appears.
How churnguardian handles it
churnguardian retries on an exponential backoff schedule and escalates to a payment-update email if it keeps failing.
- Decline-aware retries timed to recovery odds
- Branded recovery emails with a one-click card update
- Stops automatically the moment the charge clears
At a glance
- Retryable
- Yes
- Retry window
- ~2 hours
- Card must be replaced
- No
Frequently asked
What does the Stripe decline code three_d_secure_required mean?+
The card requires 3D Secure verification to complete.
Is the Stripe decline code three_d_secure_required retryable?+
Send an authentication link to the customer.
How do I recover a payment declined with three_d_secure_required?+
Send an authentication link to the customer.
What should I send the customer for three_d_secure_required?+
Please verify this payment with your bank to keep your subscription active.
Related retryable decline codes
authentication_required3D Secure authentication requiredconfiguration_errorConfiguration errorduplicateDuplicate transactionissuer_unavailableIssuer temporarily unavailablenetwork_errorNetwork errorprocessing_errorPayment processor error
Browse the full list of Stripe decline codes or look one up with the free lookup tool.
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